Call reports 2007
CITIZENS BANK OF AMERICUS — 2007
What CITIZENS BANK OF AMERICUS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 229,717,000 | 231,881,000 | 247,322,000 | 258,937,000 |
| Total loans | 147,324,000 | 155,553,000 | 160,706,000 | 162,491,000 |
| Allowance for loan losses | 2,053,000 | 1,889,000 | 2,106,000 | 2,169,000 |
| Securities available for sale | 48,807,000 | 29,556,000 | 47,277,000 | 69,345,000 |
| Securities held to maturity | 9,207,000 | 22,822,000 | 14,508,000 | 6,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,390,000 | 199,029,000 | 214,481,000 | 225,944,000 |
| Interest-bearing deposits | 175,144,000 | 172,131,000 | 181,736,000 | 197,461,000 |
| Noninterest-bearing deposits | 29,246,000 | 26,898,000 | 32,745,000 | 28,483,000 |
| Equity capital | 16,558,000 | 16,737,000 | 17,779,000 | 17,459,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,534,000 | 7,520,000 | 11,664,000 | 15,847,000 |
| Interest expense | 1,530,000 | 3,301,000 | 5,173,000 | 7,117,000 |
| Net interest income | 2,004,000 | 4,219,000 | 6,491,000 | 8,730,000 |
| Noninterest income | 454,000 | 947,000 | 1,440,000 | 1,965,000 |
| Noninterest expense | 1,237,000 | 2,594,000 | 3,932,000 | 5,374,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 1,246,000 |
| Pretax income | 1,127,000 | 2,388,000 | 3,725,000 | 4,083,000 |
| Income tax | 383,000 | 812,000 | 1,265,000 | 1,357,000 |
| Net income | 744,000 | 1,576,000 | 2,460,000 | 2,726,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,803,000 | 17,070,000 | 17,955,000 | 17,374,000 |
| Total capital | 18,856,000 | 18,959,000 | 20,061,000 | 19,543,000 |
| Risk-weighted assets | 168,628,000 | 175,295,000 | 183,589,000 | 184,970,000 |